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Much of TIA intellectual property has been created and/or invented by TIA's founder - Barry D. Flagg, CFP®, CLU, ChFC - often employing generally-accepted actuarial-principles and mathematical-algorithms, and a consistent and objective rules set, which like all ratings systems rely on certain judgmental techniques, and which are fully disclosed, and with which certain insurance professionals may disagree. Because any evaluation of a variable life product presented by any registered representative pursuant to the purchase of such product presents the potential for a conflict of interest, it is important to understand the methodology behind any such evaluation and the relationship between the evaluator and the registered representative.
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